SmartBank

122nd of 889 lenders by loans funded, 2024¹

Short‑term investment‑property lender, active across Alabama, Tennessee, Georgia and 1 more state.

Loans funded602024, terms of 36 months or less

Principal originated$44M2024, at origination

Median note rate²8.75%7 counties reporting

Counties254 states

Where the money went

Alabama carried 56.7% of the year's loans. Every county with activity is in the ledger below.

1510loans in a countythe three busiest countiesstates with loansthe three lead states

Ranked by loans funded in 2024. Each links to the county's full lender directory.

#	County	Loans	Share	Principal	Median rate²	vs. lender²
01	Madison County, AL	10	16.7%	$1M	8.75%	0.00
02	Tuscaloosa County, AL	8	13.3%	$30M	7.75%	−1.00
03	Morgan County, AL	6	10.0%	$660K	8.75%	0.00
04	Hamilton County, TN	4	6.7%	$3M	8.43%	−0.32
05	Knox County, TN	4	6.7%	$700K	8.50%	−0.25
06	Blount County, TN	3	5.0%	$885K	8.75%	0.00
07	Limestone County, AL	3	5.0%	$325K	8.75%	0.00
08	Bradley County, TN	2	3.3%	$320K	—	—
09	Putnam County, TN	2	3.3%	$900K	—	—
10	Sevier County, TN	2	3.3%	$1M	—	—
11	Walker County, GA	2	3.3%	$520K	—	—
12	Bay County, FL	1	1.7%	$345K	—	—
13	Catoosa County, GA	1	1.7%	$185K	—	—
14	Charlotte County, FL	1	1.7%	$905K	—	—
15	Coffee County, TN	1	1.7%	$45K	—	—
16	Cullman County, AL	1	1.7%	$135K	—	—
17	Franklin County, TN	1	1.7%	$75K	—	—
18	Greene County, AL	1	1.7%	$1M	—	—
19	Jackson County, AL	1	1.7%	$145K	—	—
20	Jefferson County, AL	1	1.7%	$125K	—	—
21	Lawrence County, AL	1	1.7%	$195K	—	—
22	Marshall County, AL	1	1.7%	$95K	—	—
23	Rhea County, TN	1	1.7%	$505K	—	—
24	Rutherford County, TN	1	1.7%	$175K	—	—
25	Shelby County, AL	1	1.7%	$145K	—	—
	Total	60	100.0%	$44M	8.75%lender median

1Loans are originated, business-purpose loans on investment properties with terms of 36 months or less, from 2024 verified public lending records. Counts are per county of the secured property; activity below public reporting thresholds may not appear. Ranking is by loans funded among every lender on record; it is not an endorsement, and placement is never paid.
2Rates are per-county medians of disclosed note rates; the lender-wide figure is the median of those. “vs. lender” is the county median less the lender median, in percentage points; differences under 0.25 points are set in grey.